Investing

How much SIP do I need to reach Rs 1 crore?

The monthly instalment that gets you to a crore, and how brutally that number falls as you add years.

To accumulate Rs 1 crore in 20 years at a 12% annual return you need to invest about Rs 10,009 a month — Rs 24,02,047 of your own money in total, with the rest coming from compounding. Cut the horizon to 15 years and the required SIP jumps to about Rs 19,819; stretch it to 25 years and it falls to about Rs 5,270.

Worked out 2026-09-04 (IST) · Monthly SIP at the start of each month, returns compounded monthly

Monthly SIP needed for Rs 1 crore

Read down to your horizon, across to the return you are willing to assume.

Monthly SIP required to reach Rs 1,00,00,000 (Rs)
Horizon	8% return	10% return	12% return	14% return	15% return
5 years	1,35,196	1,28,070	1,21,232	1,14,678	1,11,505
10 years	54,299	48,414	43,041	38,155	35,886
15 years	28,707	23,928	19,819	16,317	14,774
20 years	16,865	13,060	10,009	7,597	6,597
25 years	10,445	7,474	5,270	3,667	3,045
30 years	6,665	4,387	2,833	1,800	1,427

What each horizon costs you in total

Reaching Rs 1 crore at a 12% return
Horizon	Monthly SIP	Total you invest	Compounding does the rest
5 years	1,21,232	72,73,929	27,26,071
10 years	43,041	51,64,865	48,35,135
15 years	19,819	35,67,352	64,32,648
20 years	10,009	24,02,047	75,97,953
25 years	5,270	15,80,915	84,19,085
30 years	2,833	10,19,855	89,80,145

Time does the heavy lifting, not the instalment. Over 10 years you must contribute Rs 51,64,865 of the crore yourself. Over 30 years you contribute only about Rs 10,19,855 and compounding supplies the other Rs 89,80,145. Ten extra years is worth more than doubling your SIP.

Check your own numbers

Set your own target, horizon and expected return to get the instalment you actually need.

SIP CalculatorMonthly instalment, expected return and tenure to maturity value and total gain.

Frequently asked

Is Rs 1 crore in 20 years actually worth Rs 1 crore?

No — at 6% inflation, Rs 1 crore twenty years from now buys what about Rs 31 lakh buys today. If your goal is a crore in today's purchasing power, the real target twenty years out is closer to Rs 3.2 crore, which needs a SIP of roughly Rs 32,027 a month at 12%. Always set long-horizon goals in inflation-adjusted terms.

What if my returns are only 10%, not 12%?

The required SIP rises by roughly a fifth. For Rs 1 crore in 20 years you would need about Rs 13,060 a month at 10% instead of Rs 10,009 at 12%. This is why it is safer to plan at 10-11% and be pleasantly surprised than to plan at 15% and fall short with no time left to fix it.

Should I use a step-up SIP instead?

For most salaried investors, yes. A flat Rs 10,009 a month for 20 years is a heavy commitment in year one and a light one in year twenty. Starting lower and raising the instalment about 10% a year, in line with increments, reaches the same crore while being far easier to sustain in the early years.

Does a lump sum beat a SIP for this goal?

Mathematically a lump sum wins if the money already exists, because every rupee compounds for the full period: about Rs 10,36,668 invested today at 12% becomes Rs 1 crore in 20 years. A SIP is not a superior strategy, it is a solution to not having the lump sum — and it removes the risk of investing everything at a market peak.

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